{
  "id": "banking/mitid-p-code-no-online-banking",
  "signature": "AI assumes getting a Danish MitID digital ID (via passport, without a CPR number) grants access to online or mobile banking",
  "signature_zh": "",
  "regex": "(mitid.*(bank|denmark)|denmark.*digital id|p.code.*mitid|mitid.*p.code)",
  "domain": "banking",
  "category": "administrative_barrier",
  "subcategory": null,
  "root_cause": "Non-citizens without a Danish CPR number can get MitID (Denmark's national digital ID) using an 8-digit P-code tied to a foreign passport instead. However, MitID's own help pages and Danish banks (e.g. Danske Bank) state that most self-service solutions, including eBanking and Mobile Bank, currently require a MitID created with a genuine CPR number or civil registration number at 'Substantial' security level - a P-code MitID cannot log into online or mobile banking.",
  "root_cause_type": "generic",
  "root_cause_zh": "",
  "versions": [
    {
      "version": "any",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "Get a P-code MitID with a foreign passport and expect it to work for Danish online or mobile banking",
      "why_fails": "MitID's official help page for non-citizens states 'most self-service solutions currently require a CPR number. It's not possible to access these self-service solutions with a MitID created with a P code.' Danske Bank confirms a MitID must be created with a valid CPR number or civil registration number, at the 'Substantial' security level, to log into eBanking and Mobile Bank.",
      "fail_rate": 0.85,
      "condition": "MitID created via P-code, no CPR number yet",
      "sources": [
        "https://www.mitid.dk/en-gb/help/help-universe/non-citizens/",
        "https://danskebank.dk/en/personal/help/log-on-user-id-password-and--code-card/requirements-for-your-mitid"
      ]
    }
  ],
  "workarounds": [
    {
      "action": "Obtain a Danish CPR number first (see the CPR-registration canon for this country), then create or upgrade MitID using the CPR number so it reaches the 'Substantial' security level required for eBanking and Mobile Bank",
      "success_rate": 0.85,
      "how": "Danske Bank directs customers without a CPR number to obtain one via the official Danish civil registration channel before MitID can be used for banking.",
      "condition": "Newcomer who has not yet registered for a CPR number",
      "sources": [
        "https://danskebank.dk/en/personal/help/log-on-user-id-password-and--code-card/requirements-for-your-mitid"
      ]
    },
    {
      "action": "For the interim, contact the bank directly for a branch-based or paper-based process instead of relying on MitID-gated self-service",
      "success_rate": 0.5,
      "how": "",
      "condition": "Urgent banking need before CPR number is issued",
      "sources": [
        "https://www.mitid.dk/en-gb/help/help-universe/non-citizens/"
      ]
    }
  ],
  "workarounds_zh": [],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": [
      "policy/cpr-number-required-for-everything/dk"
    ]
  },
  "official_doc_url": null,
  "official_doc_section": null,
  "error_code": null,
  "verification_tier": "ai_generated",
  "confidence": 0.75,
  "fix_success_rate": 0.75,
  "resolvable": "true",
  "first_seen": "2026-08-21",
  "last_confirmed": "2026-08-21",
  "last_updated": "2026-08-21",
  "evidence_count": 3,
  "tags": [],
  "locale": "en",
  "aliases": [
    "banking/mitid-p-code-no-online-banking/dk"
  ]
}